How much house can I afford on $180,000 in Colorado?
About $665,000 with 20% down ($526,000 with an FHA loan), using Colorado's 0.52% property tax rate.
That is $136,173 more than the typical Colorado home ($529,013), so a $180,000 salary can buy a typical home here. The payment of $4,200 covers $3,580 principal and interest, $288 property tax and $333 insurance.
Counties in Colorado you can afford on $180,000
48 of 62 counties have a typical home value at or below $665,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Broomfield County | $613,654 | -0.7% | 0.6% |
| Jefferson County | $606,904 | -1.6% | 0.48% |
| Archuleta County | $565,035 | -0.8% | 0.35% |
| Clear Creek County | $549,459 | -1.1% | 0.39% |
| San Juan County | $548,587 | +3.5% | 0.32% |
| Larimer County | $545,602 | -0.3% | 0.5% |
| Gilpin County | $532,990 | -4.1% | 0.23% |
| Denver County | $528,188 | -1.8% | 0.45% |
| Park County | $514,002 | -1.3% | 0.33% |
| Lake County | $509,347 | +2.4% | 0.42% |
| Arapahoe County | $499,630 | -2.1% | 0.52% |
| Weld County | $488,305 | -2.0% | 0.52% |
| Hinsdale County | $475,661 | +0.4% | 0.31% |
| Adams County | $472,857 | -2.6% | 0.61% |
| Teller County | $472,557 | -1.3% | 0.35% |
| Montrose County | $455,743 | +2.2% | 0.36% |
| Mineral County | $452,046 | +4.2% | 0.35% |
| El Paso County | $445,559 | -1.4% | 0.41% |
| Mesa County | $428,682 | +1.6% | 0.38% |
| Montezuma County | $407,031 | +1.9% | 0.29% |
| Delta County | $407,020 | +2.4% | 0.31% |
| Custer County | $399,858 | -0.7% | 0.39% |
| Fremont County | $333,916 | -1.2% | 0.36% |
| Rio Blanco County | $326,192 | +2.6% | 0.33% |
| Morgan County | $324,520 | -0.6% | 0.52% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Colorado
Frequently asked questions
How much house can I afford on $180,000 in Colorado?
About $665,000 with 20% down at 7.11%, keeping the payment (with Colorado's 0.52% property tax and insurance) under $4,200 a month.
Is $180,000 enough to buy a house in Colorado?
Yes: the typical Colorado home is worth $529,013 (Zillow, September 2026) and $180,000 supports about $665,000. 48 of 62 counties are within budget.